| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK C NIXON3 | 2401 BIG BEAVER ROAD,S400 SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | $20K | $12K | $32K | 2.21% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 2401 W. BIG BEAVER ROAD, S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | — | $580 | $580 | 0.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED CONCORDIA INSURANCE COMPANY | $17K | $0 | $17K | 16.94% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W. BIG BEAVER ROAD, STE 400 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 15.14% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE, S230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
| HEALTHEQUITY, INC.3 | 15 WEST SCENIC POINTE DRIVE SUITE 100 DRAPER, UT 84020 | HEALTHEQUITY, INC. | — | — | $0 | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 93 | $1.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 208 | $98K |
| Vision | BLUE CROSS BLUE SHIELD | 93 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 103 | $85K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 103 | $85K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 103 | $85K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 93 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 42 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.